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Divorce Money Snapshot: What do your shared numbers look like?

What do the shared numbers look like, added up in one place? Type the home equity, savings, other assets and shared debts, both monthly take-home incomes, and what one home and two homes cost each month, and this page reads you a net shared pot and a plain monthly picture. This page is general information only. It is not legal advice. The math runs in your browser; the numbers you type are never sent to us.

Your numbers

Shared assets and debts

The home value minus the mortgage still owed. If there is no home, put 0.

Bank accounts, investments and retirement savings, added together.

Vehicles, valuables and anything else with a value, added together.

Loans, credit cards, lines of credit and other shared debts, added together. The mortgage is already counted in home equity, so leave it out here.

Monthly income

What lands in the account each month, after tax and other deductions.

What lands in the account each month, after tax and other deductions. Put 0 if there is no second income.

Monthly household costs

What one shared home costs each month now: housing, bills, food, transport and the rest, added together.

A rough total for two homes: rent for a second home plus duplicated bills, on top of the costs that stay.

Your net shared pot Your number is waiting

Type your numbers above to see your snapshot.

Shared assets total $0 Home equity plus savings plus other assets.
Shared debts $0 The total shared debts you typed.
Simple reference split $0 Half of the net pot, shown as a simple reference figure only. Real divisions follow the law where you live and your own facts.
Combined monthly income $0 Both monthly take-home incomes added together.
Added monthly cost of two homes $0 Two-home expenses minus current expenses. A negative figure means two homes cost less than the current setup on these numbers.
Monthly room after split $0 Combined income minus two-home expenses. Negative means the two-home costs pass the combined income.

Net shared pot = home equity + savings + other assets - shared debts.

The formula in plain words: first the shared assets are added up, then the shared debts come off. What remains is the net shared pot. The simple reference split is that pot divided by two, shown only so the size of the pot is easier to picture. The monthly side adds both incomes together and sets them beside the cost of running two homes.

Picture both households with the monthly numbers written down and known, before any decision is made.

What this free snapshot did not calculate. No legal division of property: the reference split is arithmetic only. No support amounts of any kind. No taxes, legal fees, or the costs of selling a home. No pension or account split out line by line, and no month by month budget for each home. The paid Divorce Financial Organizer lists every asset and debt with its value, what is owed on it, and how it is titled, in Excel and Google Sheets. General information only, not legal advice.

General information only, not legal advice. The reference split on this page is a simple reference figure. Real divisions follow the law where you live and your own facts, and a family lawyer is the right next step for decisions.

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How the Divorce Money Snapshot works

Updated November 2026

What this snapshot is

This snapshot is a starting list, not an answer. Separating households turns one set of shared numbers into two, and the first useful step is seeing those numbers added up in one place: what is owned, what is owed, what comes in each month, and what two homes would cost. This page does that adding up. It does not divide anything and it does not recommend anything.

The math, in plain words and symbols

Four steps, and the calculator above runs exactly these:

Step 1: add up the shared assets. shared assets = home equity + savings and investments + other assets. Home equity is the home value minus the mortgage still owed, so the mortgage is counted once, here, and not again in debts.

Step 2: take off the shared debts. net shared pot = shared assets - total shared debts. If the debts are larger than the assets, the pot is negative, and this page shows that plainly.

Step 3: the simple reference split. reference split = net shared pot / 2. This figure is a simple reference split only, shown so the size of the pot is easier to picture. Real divisions follow the law where you live and your own facts, and a family lawyer is the right next step for decisions.

Step 4: the monthly picture. combined income = income 1 + income 2. Added cost of two homes = two-home expenses - current expenses. Monthly room = combined income - two-home expenses. A positive room means the combined income covers the two-home costs on these numbers, with that amount left. A negative room means it does not, by that amount.

A worked example

Take the numbers this calculator opens with. Home equity of $300,000, savings and investments of $60,000, other assets of $0, and shared debts of $40,000. Monthly take-home incomes of $5,500 and $4,500. Current household expenses of $7,000 a month, and estimated two-home expenses of $9,200 a month.

Step 1: $300,000 + $60,000 + $0 gives shared assets of $360,000.00. Step 2: $360,000.00 - $40,000.00 gives a net shared pot of $320,000.00. Step 3: the simple reference split is $160,000.00. Step 4: combined income is $10,000.00 a month, the added cost of two homes is $2,200.00 a month, and the monthly room is $800.00. Change any one input and every one of those numbers moves; that is what the fields above are for.

How to read your result

The net shared pot is the headline: the shared assets minus the shared debts, on the numbers you typed. The simple reference split is half of that pot, a reference figure only. The monthly room is the budget side of the same picture: whether the combined income covers two homes, and by how much, or falls short, and by how much. Rough figures are fine for a first snapshot. A clearer list, account by account, is what turns a snapshot into something you can bring to a meeting.

What the math takes as given, and what it leaves out

The math trusts the totals you type. It does not value a home, check an account, or split anything out line by line. It leaves out taxes, legal fees, the costs of selling a home, and any change in income or expenses over time. It uses no rules from any province or state. It is a headline snapshot for one question: what do the shared numbers look like, added up in one place.

Read more: the documents that support the numbers

The Kollaz Money guide Divorce Financial Checklist: The 14 Documents lists the paperwork that supports figures like these, so the numbers rest on documents rather than memory.

General information about family law

Justice Canada publishes family law information for the public at justice.gc.ca. That is general information from Justice Canada, not advice, and it does not replace a family lawyer for your own situation.

Sources

General information only, not legal advice and not financial advice. For decisions about your own situation, talk to a family lawyer where you live.

Frequently asked questions

What does this snapshot do?

It adds up the shared numbers you type: home equity, savings and investments, and other assets, minus shared debts, to give a net shared pot. It also adds both monthly incomes together and compares them with the cost of running two homes. It organizes the numbers in one place. It does not divide anything, decide anything, or tell you what should happen next.

What does the simple reference split mean?

It is the net shared pot divided by two, shown only as a simple reference figure so the size of the pot is easier to picture. Real divisions follow the law where you live and your own facts, and a family lawyer is the right next step for decisions. This page does not use the rules of any province or state, and the reference figure is not a prediction and not a settlement.

Does this calculator use the rules where I live?

No. The math is the same plain arithmetic everywhere: assets minus debts, and income minus the cost of two homes. It uses no province or state rules, no support formulas, and no property rules. Rules differ from place to place, which is one reason a family lawyer where you live is the right next step for decisions.

Where does my information go when I use this calculator?

The calculation runs entirely in your browser on your own device, and the numbers you type are never sent to us or stored. Like every Kollaz page, this one counts visits with cookies only if you accept them; the consent banner explains that choice, and it is yours to decline. The signup form on this page sends only the email address you type into it, and your first name if you add it, when you press its button. Signing up takes one more step: we email you a link, and clicking it is what subscribes you.

Is this legal advice?

No. This page is general information and plain arithmetic on the numbers you type. It is not legal advice, and it is not financial advice. It does not know your full situation. For decisions about separation or divorce, talk to a family lawyer where you live.

What is a useful next step after this snapshot?

Many people start by listing every asset, debt, account and document in one place, so talks can start from shared facts. Justice Canada publishes general information about family law on its website. That is general information from Justice Canada, not advice. For decisions about your own situation, a family lawyer is the right next step.